Mint alternative
Looking for a Mint alternative?
Piggey shows you where your money goes — AI does the categorizing, no bank login, no budgeting homework. Free to start.
Try the alternative freeWhy people look for Mint alternatives
You're not looking for a Mint alternative because you got bored of Mint. You're looking because Intuit killed it and Credit Karma — the "replacement" — is a credit score app with a spending widget bolted on. Mint refugees mostly want one thing back: a single place that shows where the money went, without doing budgeting homework.
- It's dead — shut down March 2024
- Monetized your data and showed credit card ads
- Categorization was wrong often enough to be a meme
- Credit Karma migration dropped budgets and most history
What to look for in an alternative
Does it need your bank password?
Most finance apps only work if you hand your bank credentials to a third-party aggregator. If that's the part that makes you uneasy, look for an app that works from data you export yourself.
How much work does it demand?
Budgeting apps fail when the maintenance burden wins. Be honest about whether you'll do weekly check-ins — and if not, pick a tool where the insight is automatic.
Who does the categorizing?
Categorization is where spending clarity lives or dies. Rule-based systems miscategorize constantly; manual systems get abandoned. AI that reads real bank descriptions is the difference between a chore and a dashboard.
Piggey vs Mint, side by side
Mint is gone — Intuit shut it down in March 2024 and pointed everyone at Credit Karma, which isn't a spending tracker. If what you actually miss is opening one screen and seeing where your money went, Piggey does that — with AI categorization that's better than Mint's ever was, and without asking for your bank password.
| Piggey | Mint | |
|---|---|---|
| Price | Free, or $16/mo Pro — first month free | It was free — you were the product |
| Free plan | Yes — a real one, forever | All of it (ads + your data paid the bills) |
| Bank login | Never. Import a CSV — your credentials stay at your bank | Required |
| Budgeting required | None required | Optional |
| AI categorization | Automatic — AI tags your whole history at once | Rule-based, famously messy |
| Subscription detection | Yes (Pro) — flags the charges worth cancelling | Basic |
| AI assistant | Penny — ask anything about your money in plain English | No |
| Setup time | ~5 minutes | N/A — it no longer exists |
| Platforms | Any browser | None, as of March 2024 |
| Privacy | No bank credentials, no data selling | Your data funded the free price tag |
Switch to Piggey if…
Mint refugees who want the "where did my money go" screen back, minus the ads, the data selling, and the miscategorized transactions. Import your CSV and the AI rebuilds the picture in minutes.
Stick with Mint if…
Nobody, anymore. The closest thing to Mint's spirit — free, automatic, see-everything — is what the rest of this page is about.
Making the switch
Mint itself is gone, but your bank isn't: download CSV exports from your bank or card accounts (every bank offers this), drop them into Piggey, and the AI categorizes your history automatically. Most people are looking at a fully-tagged dashboard within five minutes.
- 1Export a CSV from your bank (or from Mint, if it offers exports)
- 2Drop it into Piggey — the AI categorizes your whole history at once
- 3Review the dashboard, correct anything the AI got wrong (it learns)
- 4That's it. Repeat monthly — about five minutes
Other Mint alternatives worth knowing
Piggey isn't the right fit for everyone — different tools suit different people. Here are the other serious options, with honest one-liners:
- YNAB
The envelope-budgeting methodology with devoted fans, a real learning curve, and a $109/yr price tag.
- Monarch Money
The polished heir to Mint's throne — full-featured, household-friendly, $99.99/yr, and built around bank linking.
- Rocket Money
The subscription-cancellation app with a concierge service — and a cut of your savings.
- Copilot Money
The prettiest finance app in the room — genuinely smart ML categorization, but Apple-only and $95/yr.
- PocketGuard
The "In My Pocket" app — boils your finances down to one spendable number, behind a bank link and a $74.99/yr Plus tier.
- Empower
Free net-worth and investment dashboard (formerly Personal Capital) — with a wealth-management sales team attached.
Frequently asked questions
What happened to Mint?
Intuit shut Mint down in March 2024 and migrated users to Credit Karma, which focuses on credit scores rather than budgeting or spending tracking. Budgets and most historical data did not survive the move.
What's the best Mint alternative that doesn't need my bank login?
Piggey. You import bank CSV exports instead of connecting your account, and AI categorizes everything automatically. Monarch Money and Copilot are solid alternatives if you're comfortable linking your bank.
Can I import my old Mint data into Piggey?
If you exported your Mint transaction history as CSV before the shutdown, yes — drop it into Piggey and it will be categorized along with everything else. Otherwise, start from your bank's own CSV exports.